Understanding Your Protection Options
Each coverage serves a specific purpose. We'll help you build the right package for your operation.
Auto liability insurance is required by the FMCSA for all commercial trucking operations. It protects you financially if you're at fault in an accident that causes bodily injury or property damage to others.
Physical damage insurance protects your truck and trailer from damage due to accidents, theft, fire, vandalism, weather events, and other covered perils. This is separate from liability coverage and protects YOUR equipment.
Covers damage to your truck from collisions with other vehicles or objects, regardless of who is at fault.
Covers damage from non-collision events like theft, fire, vandalism, weather, falling objects, and animal strikes.
Typically range from $500 to $2,500. Higher deductibles mean lower premiums but more out-of-pocket costs if you have a claim.
Cargo insurance protects the freight you're hauling against damage, theft, or loss while in your possession. This coverage is typically required by shippers, brokers, and motor carriers.
Limits typically range from $5,000 to $1,000,000+ depending on the type of freight you haul and shipper requirements.
Standard cargo policies typically exclude certain items like jewelry, furs, precious metals, and certain high-risk commodities. Always review your policy carefully.
Bobtail insurance (also called Non-Trucking Liability or NTL) covers your truck when you're NOT under dispatch or hauling freight for your motor carrier. This includes driving empty to pick up a load, returning home after delivery, or personal use.
Your primary auto liability policy typically only covers you when you're under dispatch and hauling freight for your motor carrier. Bobtail coverage fills the gap when you're not covered by your primary policy.
Typically ranges from $100,000 to $1,000,000. Most lease agreements require at least $300,000 - $500,000 in bobtail coverage.
Trailer interchange insurance protects you when you're hauling a trailer that you don't own, as outlined in a trailer interchange agreement. This coverage is essential when you drop your trailer and pick up another at a terminal or shipper location.
Limits should match the value of the trailers you typically haul. Common limits range from $25,000 to $100,000+ per trailer.
General liability insurance protects your trucking business from non-auto related claims. This includes injuries to customers or visitors at your business location, damage to a shipper's property, and certain types of lawsuits.
Typically ranges from $300,000 to $2,000,000 per occurrence. Higher limits available for larger operations.
Every trucking operation is unique. Let us help you select the right combination of coverages for your specific needs.